Avéro Achmea Keuze Zorg Plan. Conditions and reimbursements. Avéro Achmea Keuze Zorg Plan. Contents. Date of commencement 1 january 2014

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1 Postbus BA Rotterdam T + 31 (0) Avéro Achmea Keuze Zorg Plan Conditions and reimbursements ipm@aonhewitt.com Date of commencement 1 january 2014 Contents page General conditions of the Keuze Zorg Plan 3 Article 1 What are the grounds for the basic insurance? 3 Article 2 What does the basic insurance cover (reimbursements) and for whom is it intended? 3 Article 3 What is not insured (exclusions)? 3 Article 4 What is reimbursed? And to which care provider or care institution can you apply? 4 Article 5 What obligations rest upon you? 5 Article 6 What is your mandatory excess? 6 Article 7 What is a voluntarily chosen excess? 7 Article 8 What will you have to pay? 8 Article 9 What will happen if you do not pay the premium in time? 8 Article 10 What will happen if you have payment arrears? 9 Article 11 What if your premium and/or conditions alter? 10 Article 12 When does your basic insurance commence? 10 Article 13 When can you cancel your basic insurance? 11 Article 14 When will we cancel your basic insurance? 11 Article 15 When do you have a right to reimbursement of health care received abroad? 12 Article 16 Not liable for damage due to a care provider or health care institution 12 Article 17 What should you do if (a) third party/parties is/are liable? 12 Article 18 Do you have a complaint? 13 Article 19 What do we do with your personal details? 13 Article 20 What are the consequences of fraud? 14 Article 21 Definitions 14 Reimbursements via the Keuze Zorg Plan 19 Bones, muscles and joints 19 Article 1 Occupational therapy 19 Article 2 Foot care for insured clients suffering from diabetes mellitus 19 page Physiotherapy and remedial therapy 20 Article 3 Physiotherapy and remedial therapy 20 Medical devices 21 Article 4 Medical devices 21 Medicines and dietary preparations 22 Article 5 Pharmaceutical Care: medicines and dietary products 22 Article 6 Orthodontics (brace) in exceptional cases 23 Article 7 Dental care up to the age of 18 years 23 Article 8 Dental care for insured clients aged 18 years and older - dental surgery 24 Article 9 Dental care of clients aged 18 years and older - full sets of removable dentures (set of false teeth) 24 Article 10 Implants 25 Article 11 Dental care for insured clients with a handicap 25 Article 12 Dental care in exceptional cases 25 Eyes and ears 26 Article 13 Audiological centre 26 Psychological care 26 Article 14 General basic GGZ (mental health care) 26 Article 15 Non-clinical specialised GGZ (second-line GGZ) 27 Article 16 Admission to a Psychiatric Hospital 28 Speech and reading 28 Article 17 Dyslectic Care 28 Article 18 Speech therapy 29 Transport 29 Article 19 Transporting patients 29 Avéro Achmea Keuze Zorg Plan AON (V)-01

2 page Hospital, treatment and nursing 30 Article 20 The Asthma Centre in Davos (Switzerland) 30 Article 21 Genetic research and advice 30 Article 22 Mechanical respiration 30 Article 23 Care provided by medical specialists (extramurally) 31 Article 24 Care provided by medical specialists (in an extramural environment) 31 Article 25 Dialysis at home 32 Article 26 Organ transplants 32 Article 27 Plastic surgery 33 Article 28 Convalescence 33 Article 29 Second opinion 34 Article 30 Nursing (extramurally) outside the hospital 34 Article 31 Independent treatment centre 34 Article 32 Hospital nursing and day-time treatment in a hospital 35 page Pregnancy/baby/child 35 Article 33 Childbirth and obstetric care 35 Article 34 In vitro fertilisation (IVF), other forms of fertilityenhancing treatments, sperm cryopreservation and oocyte vitrification 36 Article 35 Maternity care 37 Article 36 Oncological examination in children 38 Article 37 Prenatal screening 38 Miscellaneous 38 Article 38 Dietary advice 38 Article 39 General practitioner care 38 Article 40 Integrated care for diabetes mellitus type 2 and COPD 39 Article 41 Stop smoking programme 39 Article 42 Thrombosis Service 39 As a courtesy we provide you with an English translation of our policy conditions. You can and may not derive any rights, entitlements or obligations from this English translation. Our health insurance policies are regulated by Dutch law and as such, our Dutch conditions and entitlements documents are the only legal documents from which you can derive your rights, entitlements and obligations. These are the conditions of your basic insurance and the supplementary insurance The basic insurance we provide is known as the Keuze Zorg Plan. It is a restitution policy. This means that in some cases you are entitled to reimbursement of the costs of care (refunds). You can add 1 or more forms of supplementary insurance to this basic insurance. The government determines the contents of the basic insurance The government stipulates the conditions of the basic insurance. These are laid down in the Health Insurance Act and the corresponding legislation. Every health insurer must comply strictly with these conditions. What information can be found in the conditions? These conditions inform you about which care is and which is not reimbursed via the Keuze Zorg Plan and any supplementary insurance. The conditions are organised as follows: the general conditions of the basic insurance (general information on the Keuze Zorg Plan, such as the premium, the deductible excess and rules with which you must comply); the reimbursements of the Keuze Zorg Plan (what are your reimbursements and what conditions apply to them); the general conditions of the supplementary insurances; reimbursements from the supplementary insurances. Do you need permission? You will see that we must have given permission in advance for a number of reimbursements. Such permission can be requested by telephone, by post or by . More information about asking for permission can be found on our website. The application forms can also be downloaded from our website. Mandatory deductible excess Basic insurance for everyone aged 18 years and older always has a mandatory deductible excess. The government determines the size of the mandatory deductible excess. You do not pay deductible excess for: care that is reimbursed from supplementary insurance(s) that you have taken out; care provided by a General Practitioner or Family Doctor; care for children up to 18 years of age; items on loan, excluding maintenance costs and costs of use; maternity care and obstetric care (but excluding medicines, tests for measuring blood pressure, chorionic villus sampling or transport of patients); integrated care; after-care for a donor. Find out more about the mandatory deductible excess in Article 6 of the general conditions of the Keuze Zorg Plan. Voluntarily chosen deductible excess In addition to the mandatory deductible excess, you can also opt for a voluntary chosen deductible excess. This means that you can increase your deductible excess by , , , or This will reduce your premium for the Keuze Zorg Plan. Find out more about the voluntarily chosen deductible excess in Article 7 of the general conditions of the Keuze Zorg Plan. 2 Avéro Achmea Keuze Zorg Plan 2014

3 General conditions of the Keuze Zorg Plan Article 1 What are the grounds for the basic insurance? 1.1 This insurance contract is based on: a the Health Insurance Act (Zorgverzekeringswet (Zvw)) and the accompanying explanations; b the Health Insurance Decision (Besluit zorgverzekering) and the accompanying explanations; c the Health Insurance Regulations (Regeling zorgverzekering) and the accompanying explanations; d the application form that you (policyholder) have completed. 1.2 ALSO BASED ON ESTABLISHED MEDICAL SCIENCE AND MEDICAL PRACTICE Furthermore, the extent and contents of your right to the reimbursement of the costs of health care as defined in the basic insurance, is also determined by established medical science and medical practice. Doesn t such a standard exist? In that case, the standard is whatever the professional field involved regards as responsible and adequate care and services. Article 2 What does the basic insurance cover (reimbursements) and for whom is it intended? 2.1 This basic insurance gives you a right to reimbursement of the costs of health care. The government decides which care is insured. The insurance can be taken out with or for: a people who live in the Netherlands and are obliged to take out insurance; b people who live abroad and are obliged to take out insurance. Reimbursements via the Keuze Zorg Plan lists forms of care that are covered by your basic insurance. 2.2 PROCEDURES FOR TAKING OUT INSURANCE You (policyholder) apply to us for the basic insurance by completing, signing and returning an application form. Or by completing the application form on our website. 2.3 APPLYING AND REGISTERING When you apply to us, we determine whether you fulfil the registration conditions stipulated by the Health Insurance Act. Do you fulfil them? In that case we issue a policy certificate. The insurance contract is set out in the policy certificate. You (policyholder) receive this policy certificate from us once a year. We also provide you with a health care card. You need to present the policy certificate or the health care card to a care provider when obtaining health care. After this you have a right to reimbursement of the costs of health care in accordance with this act. 2.4 THE HEALTH INSURANCE ACT DETERMINES TO WHICH CARE AND TO WHICH QUANTITY YOU ARE ENTITLED Your right to reimbursement of the costs of health care, is stipulated in the Health Insurance Act, the Health Insurance Decision, and the Health Insurance Regulations. These stipulate which care is involved (the content) and how much care is involved (the amount). You are only entitled to health care if you can reasonably be said to depend upon that care and that amount of care. Article 3 What is not insured (exclusions)? 3.1 You have no right to reimbursement of the costs of health care, if you need the care as a consequence of one of the following situations in the Netherlands: a armed conflict; b a civil war; c an uprising; d civil disturbances; e riot and mutiny. This is stipulated in Article 3.38 of the Financial Supervision Act (Wet op het financieel toezicht (Wft)). 3.2 CHECK-UP, FLU VACCINATION, A DOCTOR S STATEMENT AND CERTAIN TREATMENTS You have no right to reimbursement of the costs of: a check-ups; b flu vaccinations; c treatments for snoring (ovuloplastic); d treatment with a correction helmet for plagiocephaly and brachycephaly without craniostenosis; e treatments for realising sterilisation; f treatments for reversing sterilisation; g treatments for circumcision; h issuing doctor s statements. In some cases you have a right to reimbursement of the costs of this care. Please note! in that case the policy conditions must explicitly state that it is reimbursed. Avéro Achmea Keuze Zorg Plan

4 3.3 IF YOU FAIL TO KEEP YOUR APPOINTMENTS OR DO NOT PICK UP PRESCRIBED MEDICINES You do not have a right to reimbursement of the costs of care, if you: do not comply with care agreements; do not pick up medical devices, medicines and dietary preparations. In this respect it is irrelevant who asked the care provider or health care institution to supply: you or the prescriber. 3.4 LABORATORY EXAMINATION REQUESTED BY A DOCTOR WHO PRACTICES ALTERNATIVE MEDICINE You have no right to reimbursement of the costs of a laboratory examination and/or X-rays if they are requested by a general practitioner or medical specialist who at that moment is working in the field of alternative or complementary medicine. 3.5 COSTS OF TREATMENT CARRIED OUT BY YOU OR A MEMBER OF YOUR FAMILY You may not treat yourself and claim the costs involved against your own insurance. You are not entitled to this care, nor do you have a right to reimbursement of the costs of this care. Do you want your partner, a family-member and/or a first-degree or second-degree familymember to treat you? And do you want to declare the costs of this treatment? In that case we must have given you permission in advance. 3.6 REIMBURSEMENTS THAT RESULT FROM TERRORISM Is care needed as a consequence of one or more terrorist acts? In that case you may have a right to reimbursement of some of the costs of this care. This happens if very many insured clients claim from their health insurance as a consequence of one or more terrorist acts. In that case, only a percentage is reimbursed for each insured client. In order words: are the total damages (resulting from terrorist acts) declared in a calendar year against general insurance, life insurance or funeral insurance with in-kind benefits that are subject to the Financial Supervision Act (Wet op het financieel toezicht (Wft)) expected to exceed the maximum sum that the insurance company reinsures per calendar year? In that case you are only entitled to reimbursements of the costs up to a percentage of the costs or value of the care or other services. This percentage is the same for all forms of insurance and is determined by the Dutch Terrorism Risk Reinsurance Company (Nederlandse Herverzekeringsmaatschappij voor Terrorismeschade N.V. (NHT)) The precise definitions and provisions that apply to the above-mentioned reimbursement appear in the NHT s clause sheet on terrorism cover. This clause and the corresponding Protocol on the settlement of claims are an integral part of this policy. The protocol can be found on The clause sheet can be downloaded from our website or obtained from us We may receive an additional payment after a terrorist act. This possibility exists on the grounds of Article 33 of the Health Insurance Act. In that case, you are entitled to an additional reimbursement as defined in Article 33 of the Health Insurance Act. Article 4 What is reimbursed? And to which care provider or care institution can you apply? 4.1 This basic insurance means you have a right to reimbursement of the costs of health care. We reimburse the part of these costs that does not fall under personal contributions (including your mandatory excess). The amount of your reimbursement will depend on, among other things, the care provider or health care institution that you choose. You can choose from: care providers or health care institutions who have entered into a contract with the health insurer (contracted care providers or health care institutions); care providers or health care institutions with whom the health insurer does not have a contract (non-contracted care providers or health care institutions). 4.2 CONTRACTED CARE PROVIDERS OR HEALTH CARE INSTITUTIONS Do you need care that is covered by the basic insurance? In that case you can choose any care provider or health care institution in the Netherlands who has a contract with the health insurer. This care provider or health care institution submits cost declarations directly to us. Do you want to know with which care providers and health care institutions the health insurer has a contract? In that case use the Medical Provider Search Tool on or contact us. 4.3 NON-CONTRACTED CARE PROVIDERS OR HEALTH CARE INSTITUTIONS Do you want care from a care provider or a care institution with whom the health insurer does not have a contract? In that case the reimbursement is up to, at the most, the (maximum) tariff that has currently been fixed on the basis of the Health Care Market Regulation Act (Wet marktordening gezondheidszorg (Wmg)). Has no (maximum) tariff been fixed on the basis of the health care market regulation Act (Wmg)? In that case you will be reimbursed for costs up to the maximum sum of the market price in the Netherlands. A list of the amounts of reimbursements can be found on our website or obtained from us. 4.4 OCCASIONALLY YOU WILL HAVE TO REPAY AN AMOUNT We sometimes pay a care provider or health care institution more than the sum to which you are entitled according to the insurance contract. This could happen, for instance, if you have to pay part of the amount yourself, due to a personal contribution or due to your mandatory excess. In that case, you (policyholder) must pay that sum back to us. We collect such sums by direct debit. This is because you (policyholder) actually authorise us when you take out this insurance with us. 4.5 IF YOU REQUIRE HEALTH CARE MEDIATION You are entitled to health care mediation. This means, for instance, that you receive information about treatments, about waiting times and about differences in quality between care providers or health care institutions. Based on this information: you can make your own choice, or we mediate for you with the care provider or health care institution in case of waiting lists. And we arrange an appointment for you. We call this waiting list assistance. If you are looking for a new care provider or health care institution, possibly because you have relocated, you are also entitled to health care mediation. In that case we help you to find the care provider or health care institution. Do you want health care mediation and/or waiting list assistance? In that case, contact us. 4 Avéro Achmea Keuze Zorg Plan 2014

5 Article 5 What obligations rest upon you? 5.1 The following is a list of your obligations. Have you damaged our interests by failing to fulfil these obligations? In that case, you do not have a right to reimbursement of the costs of care. 5.2 GENERAL OBLIGATIONS Do you want to have care reimbursed? In that case you must fulfil the following obligations: a Are you obtaining care from a hospital or outpatient clinic? In that case you must hand over one of the following valid documents as proof of identity: - driver s licence; - passport; - Dutch identity card; - foreign national s document. b Does our medical advisor want to know why you were admitted? In that case you must ask your doctor or medical specialist to inform our medical advisor. c You must provide all the information we need and cooperate in our efforts to obtain this information. This is for our medical advisors or for people responsible for monitoring or investigation. We do, of course, take privacy legislation into account. d You must cooperate if we want to recover costs from an accountable third party. e You are obliged to report to us (possible) irregularities or fraud by care providers (e.g. in claims). f You are obliged to hand over a recent referral or statement in cases in which this is required. The referral or statement may not be older than 1 year. 5.3 OBLIGATIONS IF YOU ARE DETAINED IN CUSTODY a Are you being detained in custody? Inform us, within 30 days after being detained, when the detention started (date of commencement) and how long it will last. b Have you been released? In that case inform us, within 2 months of being released, of the date on which you were released. 5.4 OBLIGATIONS IF YOU SUBMIT INVOICES YOURSELF Do you receive invoices from a care provider or health care institution? In that case send us the original and clearly specified invoices (keep a copy for your own files). Alternatively, you can scan original invoices and submit them to us digitally. We do not accept copy invoices, reminders, pro-forma invoices, estimates, cost estimates etc. We will only be able to reimburse your costs if we have an original and clearly specified invoice. Do you (policyholder) submit the invoices digitally? Then you (policyholder) are obliged to retain the original invoices for 1 year after we have received them. We may ask you to submit these original invoices. Invoices of the care provider treating you must be written out in his own name. Is the care provider a legal person (such as a foundation, a practice or a limited company)? Then the invoice should specifically state who (e.g., which doctor or specialist) treated you. Reimbursements to which you are entitled are always paid to you (policyholder), via the bank account known to us. Any claim you have on us may not be transferred to a third party. 5.5 OBLIGATION: SUBMIT CLAIMS WITHIN A SPECIFIED TIME Be sure to submit your invoices to us as soon as possible. You should do this, in any case, within 12 months after the year in which you were treated. Please note! The date of treatment and/or the supply date that appears on an invoice is decisive in determining whether you are entitled to a reimbursement of the costs of care. In other words, the date on which the invoice was drawn up is not the determining factor. Will treatment be invoiced in the form of a diagnosis-treatment-combination (diagnose-behandelcombinatie (DBC))? In that case the moment at which the treatment started determines the right to reimbursement. In the case of a DBC you are only entitled to reimbursement of the costs of care incurred in the period during which you had taken out basic insurance with us. Furthermore, the moment of commencement must have been during this insurance. Do you want to know what applies to your situation? In that case, contact us. Are you submitting invoices later than 12 months after the year in which you were treated? In that case you may receive a lower reimbursement than that to which you were entitled, according to the reimbursement. We do not process invoices if you submit them later than 3 years after the date of treatment and/or the date on which care was given. This is stipulated in Article 942, Book 7 of the Dutch Civil Code. 5.6 OBLIGATION: INFORM US ABOUT ALTERATIONS IN YOUR SITUATION WITHIN 1 MONTH Has anything altered in your personal situation? Or in that of one of the other insured persons? In that case, you (policyholder) must inform us about it within 1 month. This relates to all events that could be relevant to keep your basic insurance up to date. For instance, the termination of an obligation to be insured, relocation, divorce, death or a long-term stay abroad. If we write to you (policyholder) at your last known address, then we assume that this letter reached you (policyholder). Avéro Achmea Keuze Zorg Plan

6 Article 6 What is your mandatory excess? 6.1 If you are 18 years or older and you are liable to pay a premium, you have a mandatory excess for the basic insurance. The government determines the size of this mandatory excess. In 2014 the mandatory excess is per insured client, per calendar year. 6.2 YOU PAY THE FIRST OF YOUR HEALTH CARE COSTS YOURSELF We deduct the mandatory excess from your entitlement to health care and/or from reimbursements of the costs of health care. These are costs that you incur on the basic insurance during the course of the calendar year. For example: you are treated in a hospital, but you receive no invoice. In that case we reimburse these costs directly to the hospital. You (policyholder) subsequently receive an invoice from us for THERE IS NO MANDATORY EXCESS FOR SOME HEALTH CARE COSTS We do not deduct mandatory excess from: a the costs of health care or other services incurred in 2014 but for which the invoices are not received until after 31 December 2015; b the costs of care normally provided by general practitioners. An exception is formed by costs of examination relating to general practitioner care, if the examination is carried out elsewhere and invoiced separately. The person or institution that carries out the examination must be authorised to charge the tariff fixed by the Dutch Healthcare Authority (Nederlandse Zorgautoriteit) for this examination; c the direct costs of obstetric care and maternity care; d the costs of registering with a general practitioner or with an institution that provides general practitioner care. Registration costs are defined as: 1 the sum that a general practitioner or an institution that provides general practitioner care charges you for registering you as a patient. This will not exceed the tariff that has been fixed in the health Care Market Regulation Act (Wmg) as the availability tariff; 2 reimbursements relating to how general practitioner medical care is provided by a general practitioner, in a general practitioners practice or in the institution. Or relating to the characteristics of the patient database or with the location of the practice or institution. This is in so far as we have agreed these reimbursements with your general practitioner or institution and in so far as a general practitioner or institution is allowed to charge us for these reimbursements if you register; e the costs of follow-up examinations of a donor after the period of caring for that donor has expired. This period of care lasts, at the most, 13 weeks, or in the event of a liver transplant, six months; f the costs of integrated care that are claimed in accordance with the Performance-related funding of the multidisciplinary provision of care for chronic disorders Policy Regulation. This policy regulation has been established on the basis of the Wmg. 6.4 MANDATORY EXCESS EXEMPTION 1 The costs of the online programme Kleurjeleven.nl ( Colour your life ) in Article 14 of Reimbursements via the Keuze Zorg Plan are exempt from the mandatory excess. This only applies if you actually complete the entire programme. 2 The direct costs of the medication assessment of chronic use of prescription medicines, carried out by a pharmacist/dispensing general practitioner who the health insurer has contracted for this purpose. 6.5 HEALTH CARE COSTS THAT WE DO NOT REIMBURSE DO NOT COUNT FOR THE MANDATORY EXCESS In some cases you pay for part of the reimbursement of the costs of care covered by the basic insurance. For example, for maternity care and certain medicines. Or if you are entitled to a lower reimbursement due to non-contracted care. These sums are unrelated to the mandatory excess, which means they do not count towards the mandatory excess that we deduct. 6.6 MANDATORY EXCESS COMMENCES WHEN YOU REACH 18 YEARS OF AGE Will you turn 18 during the course of the calendar year? In that case your mandatory excess commences on the first day of the month that follows the calendar month in which you become 18 years of age. The size of your mandatory excess at that moment will depend on the number of months over which we can deduct mandatory excess. For instance, will you turn 18 on 26 June? In that case, we calculate your mandatory excess over 6 months (from 1 July). 6.7 MANDATORY EXCESS IF YOUR BASIC INSURANCE COMMENCES LATER Will your basic insurance commence after 1 January? In that case we calculate your mandatory excess based on the number of months you are insured in that calendar year. For example, will your insurance commence on 1 October? In that case we calculate your mandatory excess over 3 months. 6.8 MANDATORY EXCESS IF YOUR BASIC INSURANCE ENDS EARLIER. Will your basic insurance end in the course of the calendar year? In that case we calculate your mandatory excess for the part of the calendar year that you were insured. For example: your insurance ends on 30 September. In that case we calculate your mandatory excess over 9 months. 6.9 MANDATORY EXCESS IN RELATION TO A DIAGNOSIS-TREATMENT-COMBINATION Will treatment be invoiced in the form of a diagnosis-treatment-combination (DBC)? In that case the moment at which the treatment started determines the mandatory excess that we have to apply. More about reimbursements in relation to DBCs can be found in Article 5.5 of these general conditions DEDUCTING MANDATORY EXCESS Are you receiving care from a contracted care provider, health care institution or a care provider with whom the health insurer a contract? In that case we reimburse the costs of that care directly to the care provider or health care institution. Do you still have a sum in mandatory excess payable? In that case this sum will be set off against payments to you or you will be invoiced to this amount. We will collect the sum via direct debit collection. This is because you (policyholder) actually authorise us when you take out this insurance with us. If you (policyholder) do not pay the mandatory excess in time, we can charge you administration costs and statutory interest. 6 Avéro Achmea Keuze Zorg Plan 2014

7 Article 7 What is a voluntarily chosen excess? 7.1 Each calendar year an insured client aged 18 years or older can opt for a voluntarily chosen excess. In relation to your basic insurance you can opt for no voluntarily chosen excess, or a voluntarily chosen excess of , , , or per calendar year. Have you opted for a voluntarily chosen excess? In that case you will receive a discount on your premium. The size of the discount you receive can be found in the overview of premium discounts on our website. This overview is an integral part of this policy. 7.2 CONSEQUENCE OF A VOLUNTARILY CHOSEN EXCESS We deduct the voluntarily chosen excess from reimbursements of the costs of health care. We do this after we have deducted the full amount of the mandatory excess. These are the costs that you incur on the basic insurance during the course of the calendar year. For example: you (policyholder) opt for, in addition to the mandatory excess, a voluntarily chosen excess of This means your total excess is ( =) Is your care provider going to receive from us for care that you received? In that case we will deduct from it the total of the excess. This is automatically deducted from the account of the policyholder (see also Article 6.10 of these general conditions). 7.3 THERE IS NO VOLUNTARILY CHOSEN EXCESS FOR SOME HEALTH CARE COSTS We do not deduct voluntarily chosen excess from: a the costs of care normally provided by general practitioners. An exception is formed by costs of examination relating to general practitioner care, if the examination is carried out elsewhere and invoiced separately. The person or institution that carries out the examination must be authorised to charge the tariff fixed by the Dutch Healthcare Authority (Nederlandse Zorgautoriteit) for this examination; b the direct costs of obstetric care and maternity care; c the costs of registering with a general practitioner or with an institution that provides general practitioner care. Registration costs are defined as: 1 the sum that a general practitioner or an institution that provides general practitioner care charges you for registering you as a patient. This will not exceed the tariff that has been fixed in the Health Care Market Regulation Act (Wmg) as the availability tariff; 2 Reimbursements relating to how general practitioner medical care is provided by a general practitioner, in a general practitioners practice or in the institution. Or relating to the characteristics of the patient database or with the location of the practice or institution. This is in so far as we have agreed these reimbursements with your general practitioner or institution and in so far as a general practitioner or institution is allowed to charge us for these reimbursements if you register; d the costs of follow-up examinations of a donor after the period of caring for that donor has expired. This period of care lasts, at the most, 13 weeks, or in the event of a liver transplant, six months; e the costs of integrated care that are claimed in accordance with the Performance-related funding of the multidisciplinary provision of care for chronic disorders Policy Regulation. This policy regulation has been established on the basis of the Wmg. 7.4 HEALTH CARE COSTS THAT WE DO NOT REIMBURSE DO NOT COUNT FOR THE VOLUNTARILY CHOSEN EXCESS In some cases you pay part of the reimbursement of the costs of care covered by the basic insurance. For example, for maternity care and certain medicines. Or if you are entitled to a lower reimbursement due to non-contracted care. These sums are unrelated to the voluntarily chosen excess, which means they do not count towards the voluntarily chosen excess that we deduct. 7.5 VOLUNTARILY CHOSEN EXCESS COMMENCES WHEN YOU REACH 18 YEARS OF AGE Will you turn 18 during the course of the calendar year? In that case your voluntarily chosen excess commences on the first day of the month that follows the calendar month in which you become 18 years of age. The size of your voluntarily chosen excess at that moment will depend on the number of months over which we can deduct voluntarily chosen excess. For instance, will you turn 18 on 26 June? In that case, we calculate your voluntarily chosen excess over 6 months (from 1 July). 7.6 VOLUNTARILY CHOSEN EXCESS IF YOUR BASIC INSURANCE COMMENCES LATER Will your basic insurance commence after 1 January? In that case we calculate your voluntarily chosen excess based on the number of months you are insured in that calendar year. For example, will your insurance commence on 1 October? In that case, we calculate your voluntarily chosen excess over 3 months. 7.7 VOLUNTARILY CHOSEN EXCESS IF YOUR BASIC INSURANCE ENDS EARLIER. Will your basic insurance end in the course of the calendar year? In that case we calculate your voluntarily chosen excess for the part of the calendar year that you were insured. For example, will your insurance end on 30 September? In that case, we calculate your voluntarily chosen excess over 9 months. 7.8 VOLUNTARILY CHOSEN EXCESS IN RELATION TO A DIAGNOSIS-TREATMENT-COMBINATION Will treatment be invoiced in the form of a diagnosis-treatment-combination (diagnose-behandelcombinatie (DBC))? In that case the moment at which the treatment started determines the voluntarily chosen excess that we have to apply. More about reimbursements in relation to DBCs can be found in Article 5.5 of these general conditions. 7.9 DEDUCTING VOLUNTARILY CHOSEN EXCESS Are you receiving care from a contracted care provider, health care institution or a care provider with whom the health insurer has a contract? In that case we reimburse the costs of that care directly to the care provider or health care institution. Do you still have a sum in voluntarily chosen excess payable? In that case this sum will be set off against payments to you or you will be invoiced to this amount. We will collect the sum via direct debit collection. This is because you (policyholder) actually authorise us when you take out this insurance with us. If you (policyholder) do not pay the voluntarily chosen excess in time, we can charge you administration costs and statutory interest. Avéro Achmea Keuze Zorg Plan

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